Medicare Advantage star ratings are CMS's quality scoring system for Medicare Advantage and Part D plans. Ratings run from 1 to 5 stars, with 5 stars representing the highest quality. Choosing a high-rated plan matters — both for your care quality and for the plan's financial stability.

What Star Ratings Measure

CMS evaluates Medicare Advantage plans on dozens of measures across five categories: staying healthy (screenings and vaccines), managing chronic conditions, member experience, member complaints and plan performance, and health plan customer service. Plans are scored annually, with ratings released each fall for the following year.

Why Star Ratings Matter for Florida Seniors

High-rated plans receive bonus payments from CMS, which they can use to offer richer benefits and lower cost-sharing. Plans with 4 or 5 stars can market year-round rather than only during AEP. Plans with consistently low ratings face penalties and may be terminated by CMS.

The 2026 carrier exits are partly a consequence of star rating declines. UHC's star ratings dropped in several Florida markets, reducing their bonus payments and making those markets unprofitable. Choosing a 4+ star plan reduces your risk of future disruption.

Top-Rated Plans in Florida for 2026

Florida Blue consistently earns 4+ star ratings across its Florida Medicare Advantage plans. Devoted Health, a Florida-based carrier, has earned strong ratings for member experience. Aetna and Cigna maintain solid ratings in most Florida counties. Always verify current star ratings at Medicare.gov before enrolling — ratings change annually.

How to Use Star Ratings in Your Decision

Star ratings should be one factor among several in your plan selection. A 5-star plan with a narrow network that excludes your doctors is worse than a 4-star plan that includes them. Use star ratings as a quality filter — eliminate plans below 3 stars — then compare network, benefits, and cost among the remaining options.

Call (435) 612-1009 for a free comparison of top-rated Medicare Advantage plans in your Florida zip code.